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205-759-7317
1008 Veterans Memorial Pkwy
Tuscaloosa, AL 35404

DCH Credit Union is headquartered in Tuscaloosa and is the 51st largest credit union in the state of Alabama. It is also the 2,850th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 12 employees and 4,744 members. DCH Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or attend school in Tuscaloosa, Bibb, Fayette, Greene, Hale, Lamar, Pickens or Sumter County. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. DCH Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 DCH Credit Union had $309,000 in non-current loans and owned real-estate with $3.92 million in equity and loan loss allowances on hand to cover it. This gives DCH Credit Union a Texas Ratio of 7.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for DCH Credit Union decreased dramatically from 15.24% as of March 31, 2013 to 7.89% as of March 31, 2014, resulting in a positive change of 48.23%.This indicates that the balance sheet and financial strength for DCH Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, DCH Credit Union has increased its total deposits by $1.16 million, resulting in 4.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DCH Credit Union has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DCH Credit Union has $32.66 million in assets with $3.92 million in equity, resulting in a capitalization level of 11.99%, which is excellent.

Institution Statistics

Overall
NCUA #63940
Year Chartered1955
Employees12
Primary Regulator
Assets and Liabilities
Assets$32.66 million
Loans$12.48 million
Deposits$28.76 million
Equity Capital$3.72 million
Loan Loss Allowance$200,000
Unbacked Noncurrent Loans$219,000
Real Estate Owned$90,000
Historic Data - March 2013
Assets$31.40 million
Equity Capital$3.64 million
Loan Loss Allowance$267,000
Unbacked Noncurrent Loans$219,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.64%
Return on Equity5.6%
Interest Income$277,000
Rates
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DCH Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Share Savings Account
0.15%--Club Accounts
0.15%--IRA Savings Account
0.15%--Roth IRA Savings Account
0.15%--Coverdell Education Savings Account

DCH Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$500-60 Month Share Certificate
0.80%$500-48-59 Month Share Certificate
0.75%$500-36-47 Month Share Certificate
0.65%$500-24-35 Month Share Certificate
0.50%$500-18-23 Month Share Certificate
0.40%$500-12-17 Month Share Certificate
0.30%$500-6-11 Month Share Certificate

DCH Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.90%$500-60 Month IRA Certificate
0.80%$500-48-59 Month IRA Certificate
0.75%$500-36-47 Month IRA Certificate
0.65%$500-24-35 Month IRA Certificate
0.50%$500-18-23 Month IRA Certificate
0.40%$500-12-17 Month IRA Certificate
0.30%$500-6-11 Month IRA Certificate
Locations


DCH Credit Union Locations
Branch Office1008 Veterans Memorial PkwyTuscaloosa, AL 35404